新冠肺炎疫情的爆发与蔓延,凸显了电子商务的独特重要作用.然而,目前多边体制框架下电子商务规则碎片化,新的电子商务规则谈判停滞不前,已成为行业发展障碍.后疫情时代,相关规则构建的重要性或将再次被提至台前.本文论述了多边框架下电子商务谈判面临的挑战和争议焦点,分析WTO主要成员中美欧的谈判立场,三方提案关键诉求及差异成因;分析拜登政府上台、发展中国家逐渐形成电子商务发展共识、自贸协定中电子商务规则高标准趋势三大变化对WTO电子商务谈判前景的影响;提出积极推动相关议题谈判,着力联合亚太新兴市场国家在区域层面构建电子商务规则的建议;短期着力解决物流成本高昂、交易信用和跨境支付不畅等问题.
Since the State Council of China issued the “Outline of Action to Promote the Development of Big Data” in 2015, which proposed a top-level design for big data development from a long-term perspective, the related industry had ushered in a rapid way. At present, under the background of accelerating digital transformation and post COVID-19, the social and economic benefits of data assets, especially the value of financial data turn out to be more prominent. In this paper, we analyze four exploration aspects of commercial banks around big data application: constructing enterprise-level big data platforms, strengthening the capability of risk control, innovating financial products and services, optimizing business processes. Meanwhile, giving the typical cases for all of these practices, we illustrate how the bank's decision-making transformed from “experience-dependent” to “data-based” that enable banks to improve business performance, assess credit risks and allocate resources scientifically. Generally, we hold the view that big data technology has become an important means for commercial banks to meet the emerging financial demands, respond to the competition of the fintechs and the high-level opening-up trend. At last, this paper suggests banks enhance the core competitiveness through big data deep application with facing challenges such as insufficient implementation of big data strategy, lack of data governance system, imperfect organizational structure as well as scarcity of data mining talents.
20世纪以来,基金管理公司成立、《证券投资基金法》出台和资管规范要求为商业银行托管业务带来巨大发展机遇.对银行托管发展新态势的分析表明,当前市场总体集中度不高、业务尚具备广阔发展空间,且托管业务向智能化、一体化、增值型方向转型的具体路径有:一是迭代手机应用程序,二是研发业务集成平台,三是优化流程管理系统.进一步总结归纳RPA机器人、区块链与人工智能技术在托管业务中的实际应用,提出了通过顶层设计鼓励创新、加强集成平台建设、储备及培养复合型人才助力托管业务数字化发展的三方面建议.
